Brian Bonsall stars as the eleven-year-old Preston Waters, who is low-kid on the family totem pole -- his father Fred (James Rebhorn) lectures him on saving his money, while his older brothers, Ralph (Michael Faustino) and Damian (Chris Demetral), are pushy bullies. The final insult arrives when Preston is invited to a friend's birthday party -- held at an amusement park -- and Preston doesn't have enough money to go on any of the good rides. Preston wishes to the gods in heaven that he had his own money. At that point, on-the-lam criminal Quigley (Miguel Ferrer) takes his cue and runs over Preston's bike with his car. Eager to leave the scene before the cops arrive, Quigley hurriedly gives Preston a half-written check and vamooses. Preston looks down at the check and notices that the amount has not been filled in, so he obligingly completes the transaction by adding six zeroes and a one -- for a million dollars in cold cash. This amount, by a strange coincidence, happens to be the exact amount that Quigley has deposited in a money-laundering bank run by his partner-in-crime Biderman (Michael Lerner). Preston goes to the bank, cashes the check, and purchases a neighborhood mansion with all the toys he has ever dreamed of owning. But Quigley and his gang want the money back, and they are on their way to Preston's new home for a housewarming he will never forget!